Exploring Whether RV Insurance Covers Off-road Travel

For many RV owners, the thrill of adventure doesn’t stop at the edge of the pavement. Whether you’re navigating forest trails in a camper van or exploring desert paths with a fifth-wheel trailer, it’s essential to know if your RV insurance policy follows you off-road. At The Wyatt Agency, our knowledgeable team can offer guidance on this potentially complicated subject.

Understanding Possible Coverage Limitations

Standard RV insurance policies typically cover travel on public roads and designated campsites. However, coverage can become murky once you venture off-road onto unpaved trails, remote wilderness areas or private land. Many insurers consider off-road travel a higher risk and may exclude it from standard policies.

How to Know if You’re Covered

Review your policy’s “usage” and “territory” clauses to determine if you’re protected. Look for language that specifies whether off-road use is included or excluded. If it’s unclear, contact your insurance provider directly and ask about:

• Off-road liability coverage—Does your policy cover damage or injury caused while off-road?

• Comprehensive and collision coverage—Are damages to your RV from rough terrain, trees or rocks included?

• Towing and roadside assistance—Will your insurer help if you get stuck in a remote area?

If your current policy doesn’t cover off-road use, you may be able to purchase a rider or endorsement to extend protection. Alternatively, some specialty insurers offer policies tailored for adventurous RVers who frequently go off the beaten path.

We’re Here to Help

Before your next off-road journey, take time to understand your coverage. A quick policy review can save you from costly surprises—and ensure your adventures stay worry-free.

Contact The Wyatt Agency in Blacksburg, South Carolina, today to discuss your RV insurance needs and identify a policy that can provide coverage even while you’re enjoying an off-road adventure.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.